Your roof system takes a bit of damage everyday because of its exposure to the harsh elements. But it’s a different story when there’s a storm. The damage your roof sustains is instant and often severe, prompting you to file an insurance claim. The only problem is that not every roof claim gets approved. Here’s why.
General Wear and Tear
Some roof claims get denied because the primary reason for the damage is wear and tear. Because weathering is a normal part of a roof’s aging process, insurance policies don’t provide coverage for it. The only cases generally covered by homeowner’s insurance include damage from storms, hurricanes, fires, wind-blown debris, and other acts of nature. Depending on the details of your insurance policy, damage caused by flood, and sometimes wind and hail, may not be covered – you’ll need to get separate policies for them.
Poor Maintenance
Insurance providers see roof maintenance as the homeowner’s responsibility. Storm damage is made worse only because the roof is already in pretty bad shape. Should that be the case, your roof claim will likely be denied. To ensure you remain eligible, make roof repair and maintenance a priority.
What Happens When Your Claim Is Denied or Underpaid?
If you feel like your roof claim was wrongfully denied or was underpaid, make sure that all relevant documentation has been submitted to them according to the necessary guidelines. You should also be prepared with proof to back up your claim, so gather every evidence you can. An appeal can be made to overturn the denial, but your best chance lies in doing everything you can to avoid a claim denial in the first place. This means working with a third party: a trusted roofing contractor like Ritco Group who can be on-site for a comprehensive roof inspection and storm damage assessment.
Schedule a Roof Consultation
Aside from roofing new construction, Ritco Group also provides roof insurance claims assistance. With us on your side, we’ll help you navigate the complexities of the insurance claims process and get you the fair coverage you need. Call us today at (931) 381-0175, or fill out this contact form to schedule a roof evaluation. We proudly serve the areas in and around Brentwood, Franklin and Columbia, TN.